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Mini-review: HMBradley Credit Card earns up to 3% cash back - Business Insider

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The HMBradley Credit Card earns cash back based on where you spend the most, but you need to be a banking customer to apply

2% cash back in your second-highest spending category.Spending at last $100 on the card each month bumps you to the next Savings Tier for earning interest on your depositsWe're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

So if you have a home improvement project and that's your biggest spending category for a month, you'll get the 3% bonus there. If you switch to spending the most on groceries the following month, you'll get the 3% for your grocery spending, and so on.The HMBradley card isn't free. It comes with a $60 annual fee. This is on the low end of costs for

The HMBradley card is light on benefits compared to many other cards with annual fees. There are two particularly strong benefits worth calling out, though.

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